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    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stop your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about theft. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
    • Officials at the Federal Reserve are expected to hold off on any interest rate cuts this month.View the full article
    • I appreciate any help on this. I got 2 different speeding tickets and I'm hoping I can get one of them canceled as it's for the exact same road, 2 days back to back. The limit was 40mph, but I honestly thought it was 50mph and so I was driving withing that limit... First time driving that road. No other points ever on my driving lisence if that matters. Any advice for the appeal please? DETAILS: AF57ONB 0013032393514620 - 209266 0013032398514320 - 748169
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Me against them v's Post Office Credit Card


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Can anyone help me with the enforceability of the Post Office Credit Card CCA from 2006? I applied online, then must have been sent the CCA below to sign which is an appendix attached to a 14 page Credit Card Application.

 

There isn't a Credit Limit outlined and many of the prescribed terms are outlined within clauses in the application not the CCA itself. Is this allowed/enforceable?

 

Image000.jpg

 

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It has a reference to a credit limit, a repayment schedule and an interest rate and these are in the same section as the signature box - all in Appendix A. It doesn't need to specify an amount for the credit limit - it is sufficient to say we will set it and tell you what it is. In my view this would be enforceable.

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I thought that may be the case, but was obviously hoping it wasn't...thanks.

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  • 3 weeks later...

Just recieved this letter associated with my Post Office Account;

 

RedCastle.jpg

 

Any thoughts on this considering it was fairly recently when the provided the above CCA #1.

 

Also was is meant when Red Castle say "they will "apply an immediate discount to the debt"

 

Is this a reduced balance of £10 if I paid them £10, or are they saying they will offer me a discount on the full balance?

 

or is all a ploy to get me to comply with them?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Why would they do this if the CCA is enforceable? or is their something wrong with it?

 

I have no intention of calling them or providing them with my telephone number.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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cash flow, they want your money asap, remember they pay peanuts for the debt, so anything you pay over say 20 %(tops) is a winner for them.

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Thats if the Post Office have sold the debt to Red Castle, rather than using them as an agent to collect the debt on their behalf.

 

I hope they have sold it, that'll put me in a stronger position.

 

Any idea's on how I should deal with this? I need to be certain the CCA is enforceable before I think of offering them reduced repayments or a Full & Final Settlement offer.

 

any advice would be appreciated.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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I have a feeling this CCA is has been constructed to look like I've signed something that is enforceable. Their signature is blatantly a copy and paste. The fact that the CCA is scanned in to a document as an appendix is also concerns me. They could just make any T&Cs up then add the appendix to it!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

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Can anyone offer any advice on the points I raised in posts 8 & 9.

 

Thanks

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most have agreements with copy sigs from the creditor and it's not unusual

 

if this is front and back or reference numbers at the bottom as the same then i agree with Pinky (pinky has already pointed out what makes it enforceable)

 

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The references on both sheets of CCA in Appendix A are the same.

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  • 2 weeks later...

Red Castle now told me the client will accept 80% of the balane as full settlement.

 

They have also said they may raise and issue a Statutory Demand to be served to me. Whick May be followed by Bankruptcy proceeding against me.

 

Any advise would be great....thanks

HSBC - Successfully Claimed back Charges & Interest £1265

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Abbey - Successfully Claimed back PPI £960

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  • 3 weeks later...

Just received this letter...

 

DSC03997-1.jpg

 

I need to slow them down while I receive my SAR details. Any thoughts? :|

 

Also I am becoming more concerned about the threat of bankruptcy!:-o

Edited by Me against them!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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send them a CPR request, they have said they are taking you to court (and nobody would deny that's what theat letter looks like), so you have the right to disclosure. Thats what i have done when faced with letters like that. In my experience it slow them down a bit, may even back down completly and accept a token offer, mine have, but then i do not own anything of value.

Edited by count orlok
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Thanks dcakiller...missed that!

 

I'll have to read up on CPR as I'm unfamiliar with the process.

 

Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 2 weeks later...

Update: Just received pretty much the same letter from RLS as I did recently from Reds.

 

RLSCourtThreat.jpg

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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